How Business & Corporate Credit Cards Work
Business credit cards come with different rules, limits and benefits than consumer cards — from expense controls and employee cards to reporting, FX fees and accounting integrations.
Compare business credit cardsWhat Is a Business or B2B Credit Card?
B2B credit cards are designed for companies, freelancers, contractors and startups — offering higher limits, structured reporting and tools for managing business expenses. They help separate personal and business spending, simplify tax reporting and improve cash flow.
Unlike personal cards, eligibility is often based on company revenue, business credit history or verification documents. Some cards allow sole proprietors to qualify with personal credit checks.
Expense Controls & Employee Cards
Business cards typically allow multiple employee cards with spend limits, category restrictions and real-time notifications. Admins can lock cards instantly, set daily caps or restrict merchant types.
Many modern issuers integrate directly with accounting software to automate receipt capture, categorize expenses and export transactions into bookkeeping tools.
Travel, Insurance & FX Features
Business cards often include stronger travel insurance, rental protections, trip delay coverage and purchase protection — especially for frequent work travel.
International businesses should evaluate FX fees carefully, as some corporate cards charge 2–3%, while others offer reduced or zero FX fees.
Key Features to Compare
| Feature | What It Means | Why It Matters |
|---|---|---|
| Employee cards | Number included + cost per additional | Impacts scaling cost for teams |
| Controls | Limits, merchant restrictions, real-time locks | Helps prevent misuse and track expenses |
| Accounting sync | Direct integration with bookkeeping tools | Reduces admin time and manual entry |
| FX fees | 0%–3% depending on issuer | Affects international and online purchases |
| Insurance | Travel, rental, purchase protection | Important for frequent work travel |
Explore Related Business Topics
Part of The CreditCard Collection
B2B.Creditcard is part of The CreditCard Collection, a network of informational minisites that explain one credit-card topic at a time. This page focuses on business, corporate and freelancer card mechanics.
Ready to Compare Business Cards?
Use this page to understand the mechanics — then go to the main comparison hub to see real issuer data when available.
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